Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.69% | +0.05 | 0.64% |
| Return on Equity (%) | ▲ | 6.18% | +0.36 | 5.82% |
| Net Interest Margin (%) | ▼ | 4.06% | -0.33 | 4.40% |
| Efficiency Ratio (%) | ▲ | 83.86% | -2.31 | 86.17% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.07 | $0 |
| Cost of Funds (%) | ▼ | 0.43% | +0.11 | 0.33% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $109 | +15.42 | $93 |
| Gross Loans ($M) | ▲ | $38 | +5.85 | $32 |
| Loan Growth YoY (%) | ▲ | 38.90% | +0.32 | 38.58% |
| Total Deposits ($M) | ▲ | $95 | +14.56 | $81 |
| Shareholders Equity ($M) | ▲ | $12 | +0.93 | $11 |
| Tang. Book Value ($M) | ▲ | $12 | +0.93 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +0.99 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 38.90% | +0.32 | 38.58% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.58% | -0.53% | 2.11% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▆▆▄▄▁▁ | Net Interest Margin (%) | 4.55% | 4.54% | 4.38% | 4.40% | 4.29% | 4.25% | 4.09% | 4.06% |
| ▅█▂▁▁▄▂▂ | Return on Assets (%) | 1.07% | 1.45% | 0.77% | 0.64% | 0.57% | 0.94% | 0.69% | 0.69% |
| ▄▁▆▇█▅▆▆ | Efficiency Ratio (%) | 77.3% | 69.2% | 83.5% | 86.2% | 89.6% | 80.6% | 84.1% | 83.9% |
| ▁▁▄▃▁▂▇█ | Cost of Funds (%) | 0.28% | 0.28% | 0.35% | 0.33% | 0.28% | 0.31% | 0.40% | 0.43% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▅▁▃▅▇███ | Tang. Book Value ($M) | $11 | $10 | $11 | $11 | $12 | $12 | $12 | $12 |
| ▃▅▅▁▁█▇█ | Gross Loans ($M) | $33 | $35 | $35 | $32 | $32 | $37 | $37 | $38 |
| ▃▄▂▁▄▆▇█ | Total Deposits ($M) | $85 | $86 | $84 | $81 | $88 | $90 | $93 | $95 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 16% |
| Agricultural | 9% |
| Consumer | 9% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 46% |
| Interest-Bearing (core) | 53% |
| Brokered / Other | 1% |